I had a kidney transplant 18 months ago and I am healthy and stable. When would I qualify for a life insurance policy?

Stable health, no admissions or illness since then.

Asked by Ron

7 Answers

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Most of the insrance companies allowed to open up a policy for person after 12 months. | 09.01.15 @ 02:36
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$commenter.renderDisplayableName() — {comment} | 12.09.16 @ 20:03
Answered by Lenny Robbins, Insurance Agent in Redmond, WA
Unfortunately I am not aware of any carrier that will insure you now or in the future, however you may with to consider a guaranteed issue policy. | 09.01.15 @ 19:13
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$commenter.renderDisplayableName() — {comment} | 12.09.16 @ 20:03
You can get a small guaranteed issued policy with a graded benefit. Policies tend to have a small face value but are available. | 09.01.15 @ 19:28
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$commenter.renderDisplayableName() — {comment} | 12.09.16 @ 20:03
Answered by Willard R. Brumbaugh, LUTCF in Victorville, CA
Your age may play a part in your eligibility for guaranteed issue coverage. Contact me and I will see what we can do. | 09.08.15 @ 22:36
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$commenter.renderDisplayableName() — {comment} | 12.09.16 @ 20:03
Hello Ron,

Some specific info would be needed to get the best answer, but one way to approach the issue would be to take all of your info and put it in front of multiple carriers on an informal application to see what the responses would be. Notice the phrase "informal application"? It simply means that carriers will comment on what they might do without a risk of decline (which happens when there are formal applications and no coverage is offered due to mortality risks). You will want them to "scratch the surface a bit" to offer their comment. What is needed from you so that they may do a bit of discovery? Medical records, personal health history, present diagnosis, medications, future prognostications by your doctors, etc.

Kirby
LifeInsuranceToday.US
Term.com | 12.21.15 @ 22:07
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$commenter.renderDisplayableName() — {comment} | 12.09.16 @ 20:03
Answered by Larry Gilmore, Insurance Agent in Marysville, WA
A large face amount? No. There are some guaranteed issue policies but you might have to wait another 6 months up to 8.5 years to get. They will cost a great deal more than you might expect but may be your only source of coverage beyond credit life on the things you buy. | 02.23.16 @ 23:41
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$commenter.renderDisplayableName() — {comment} | 12.09.16 @ 20:03
Answered by Lenny Robbins, Insurance Agent in Redmond, WA
You may qualify now subject to results of certain tests that would have been performed. Depending upon the amount of coverage applied for, it may be possible to "shop" your case for the best premium. | 02.23.16 @ 23:49
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$commenter.renderDisplayableName() — {comment} | 12.09.16 @ 20:03
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